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Journal : AT-TURAS: Jurnal Studi Keislaman

Frugal Living in Islamic Finance: How QRIS Supports Ethical Spending? Fielnanda, Refky; Pujiono, Pujiono; Hermawan, Iwan; Novida, Irma; Istiyanti, Istiyanti; Nofriza, Eri
JURNAL AT-TURAS Vol 12, No 1 (2025)
Publisher : Universitas Nurul Jadid

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33650/at-turas.v12i1.10076

Abstract

Frugal living, or a frugal lifestyle, embodies a concept that coincides with Islamic financial principles, emphasising equilibrium, sustainability, and the avoidance of excessive consumerism. The concept of frugal living has gained increasing relevance in modern economic discourse, particularly in response to financial instability, environmental concerns, and the need for responsible resource management. In the digital age, the payment system utilising the Quick Response Code Indonesian Standard (QRIS) has gained prominence as a tool for facilitating more efficient and transparent financial transactions.  This study examines how the use of QRIS within the Islamic financial framework can enhance ethical consumption practices aligned with the tenets of frugal living.  This research, employing a qualitative methodology through literature analysis, determined that QRIS effectively diminishes cash utilisation, which may foster impulsive spending, enhances precise financial documentation, and reinforces Sharia financial principles such as justice, transparency, and sustainability.  This approach promotes more inclusive and efficient transactions, aligning with the maqashid shariah objectives of preserving individual and societal welfare.  This research suggests that the digitalisation of Islamic finance via QRIS can serve as a strategic tool for fostering more ethical and responsible consumer practices.
Co-Authors A.A. Ketut Agung Cahyawan W Adhe Irham Thoriq Affandy Affandy Ahmad Zainul Fanani Aini, Triska Rahmatul Aisyaturrahmi Al Azhar, Cahya Mutiara Alik Katur Rofiah, Binti Alwani, Alwani Amiruddin , Amiruddin Andry Setiawan, Andry Anggun Pambudi Anugroho, Rohmat Aprila, Bord Nandre Arif Hidayat Arif Widagdo Asih Rohmani B. Pakpahan, Irnovia Bayu, Yoni Setyo Nugroho Budi Haryanto Budiono Budiono Busriyanti Busriyanti, Busriyanti Cantika Sari Siregar Catur Supriyanto Chamdan, Umar Chandra, Jennifer Chusnia, Vina Maulidah David S. V. L Bangguna Dedi Dedi Dewi Sulistianingsih Diah Restu Wardani Diah Restu Wardani Dian Anita Nuswantara Dianwicaksih Arieftiara E. Wuon, Orva Edi Noersasongko Eka Putri, Libryawati Eko Prasetyo Elanda Fikri Estu, Ahmad Zulkarnaen Eti Rimawati Etika Kartikadarma Fadrul, Fadrul Fadzil, Rozlinda Mohamed Fahmi Amiq Fatihul Barokah Firdaus, Gilbert Fitriyani Fitriyani Fransisca, Luciana Fredy Susanto Freza Surya Asrina Guruh Fajar Shidik Haryati Haryati Herdhianta, Dhimas Heri Susanto Hernawan Hadi Heru Agus Santoso Hidayat, Rendra Syarief Holmes Rolandy Kapuy Ibad, Sholihul Iin Purnamasari Imam Bukori Indriani, Azizah Defi Irianti, Lingga Resvita Irma Cahyaningtyas, Irma Istiyanti, Istiyanti Ita Mowidu Iwan Hermawan Junaidi Junaidi Jutono Gondohanindijo, Jutono Kahar Kahar, Kahar Kusharyanti Kusharyanti Lazuardi, Afried Lintang Venusita Lubis, Lubis Bambang Purnama M. Anwar Sadat M. Tangkeallo, Marthen Made Dudy Satyawan Mahazam Afrad Marita Marita, Marita Martitah Martitah Merlyana Dwinda Yanthi Mimelientesa Irman Moch Arief Soeleman Moch Arief Soeleman, Moch Arief Moch. Eko Rustiyono Mubarok, Ahmad Hasan Muchammad Shidqon Prabowo Muhamad Haris Zuhri Muhtarom Muljono Muljono Muljono, - Mursalim Nanik Prasetyoningsih Nasution, Khairina Nofriza, Eri Noor Ageng Setiyanto, Noor Ageng Nova Rijati Novida, Irma Novitriansyah, Bob Nurhayati Sitorus Nurhayati, Ati Nurtantio, Pulung NURUL HIDAYAH O. Pandoyu, Ebelhart Pandoyu, Ebelhart O. prabawa, randy aditya Pramana, Hendri Julian Pramitasari, Ratih Pratama, Arfian Nanda Yogi Pulung Nurtantio Andono Purwanto Purwanto Purwanto Purwanto Putra, S.E., MSA, Rediyanto Putra, Tegar Islami Putri, Eliza Sofian Putro, Bagus Prindo Sugihartono R Arief Nugroho Rahman, Fathor Rahman, Sarli Rangkuti, Rahmadsyah Ravindo, Besky Pramudya Rediyanto Putra Refky Fielnanda Rendra Arief Hidayat Retno Sunu Astuti Ridha Rahmawati Rini Fidiyani ROHMAWATI KUSUMANINGTIAS Romi Ilham, Romi Roy Aprianto, Roy Sahbar, Robi Sahninda, Berian Putra Saputra, Aries Gilang Sari Ayu Wulandari Septian Enggar Sukmana Setiawan, Dicky Setyawan, Onny Sifai, Izzatul Alifah Siti Muslifah, Siti Slamet Sumarto Soeleman, Arief Soeleman, M Arief Solichul Huda Somad, Agus Sri Astuti Sri Slamet Mulyati, Sri Slamet Sudarto Usuli SUGIARTO, LAGA Sugiarto, Triga Agus Sugito - Suharnawi Suharnawi Suharnawi Syahputra, Hidayat Syaiful A. Septemuryantoro Teguh Budi Prijanto, Teguh Budi Ujang Nurjaman, Ujang Wacana, Gitit I.P Wahyu Adi Nugroho Wahyudi, Payzar Wicaksono, Duta Firdaus Widianto, Dhoni WIJAYANTO WIJAYANTO Wuryantoro, Tri Yetri Hasan Yolanda, Oppie Yudistira, Ivan Bhakti Yuli Prasetyo Adhi Yuliana, Dhea Arsinta Yundari, Yundari Yusrizal Yusrizal